Car insurance rage

kay_leslie

My daughter's car was hit whilst parked in a layby and was written off.
Other driver said he'd blacked out and so his insurance won't pay out.
Her insurance has settled on her car but she's left with a big excess to pay (she's 22) and hire car charges. Also she's lost her 2 year no claim bonus and her settlement pays of her car finance but leaves her no money for a new car. How is this fair???? Any suggestions as to what I can do??

Cool_Username

I certainly hope the other driver is never permitted to drive a vehicle again on medical grounds - if he's admitted blacking out while driving his licence should be taken off him.

hartcjhart

It depends on if it was a one off blackout,if so the insurance company should payout because it was an unforseen event(accident)

if the other driver has a pre-known medical disorder then yes his licence should be revoked,

ask your insurance company to confirm either way

Cool_Username

Quite frankly if you have a black out behind the wheel and smash into a parked car I don't think it should be put down to a "one off" and left at that - a healthy person with no medical complaints will not generally go from fully concious driving a car to having a blackout. Could've mowed down a dozen children

dacouch

hartcjhart wrote: »

It depends on if it was a one off blackout,if so the insurance company should payout because it was an unforseen event(accident)

if the other driver has a pre-known medical disorder then yes his licence should be revoked,

ask your insurance company to confirm either way

It's the other way around, unless the accident was unavoidable eg the person had no history of blackouts common law does not make them liable. If however they have a history and say had not taken their medication or insulin etc then you would have a case against them.

iamana1ias

kay_leslie wrote: »

My daughter's car was hit whilst parked in a layby and was written off.
Other driver said he'd blacked out and so his insurance won't pay out.
Her insurance has settled on her car but she's left with a big excess to pay (she's 22) and hire car charges. Also she's lost her 2 year no claim bonus and her settlement pays of her car finance but leaves her no money for a new car. How is this fair???? Any suggestions as to what I can do??

If she wants another car she can get finance for it (thus in the same position as she was before the accident).

Would have been the same situation if her car was hit by an unknown driver, and something all drivers should be aware of, regardless of age.

rictus123

Cool_Username wrote: »

I certainly hope the other driver is never permitted to drive a vehicle again on medical grounds - if he's admitted blacking out while driving his licence should be taken off him.

Get yourself to the police.

blue_haddock

Possible small claims court action against the other driver?

Cool_Username

rictus123 wrote: »

Get yourself to the police.

Why what have I done?

dacouch

Who advised her to hire a car?

ciano125

Sue him. Simples.